Jon Dulin
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Byline AP Newswire | Personal Finance
Articles by Jon Dulin
The Credit Limit Balancing Act: How To Give Your Credit Score More Room Without Taking On More Debt
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. Your credit limit is not a spending target. It is the maximum revolving credit your card issuer has made available on an account. Used carefully, a higher limit can create more room between your balance and your limit, which may support a healthier credit profile. Used carelessly, it can simply make it easier to accumulate debt.
39 Best Places to Find Spare Change (At Home & in Public)
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. Finding loose change probably isn’t going to make you rich, but you’d be surprised how many coins get lost or forgotten in places you walk past every day. I’ve found change around grocery store checkout lanes, parking lots, vending machines, and plenty of other places simply by knowing where to look. And that’s before searching your own house, car, couch cushions, old clothes, and junk drawers.
Shopping for Verified CD Rates in 2026: How to Avoid Outdated or Misleading Offers
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. Certificate of deposit rates can change as financial institutions adjust their funding needs and respond to broader interest rate conditions. This creates a challenge for savers comparing CDs online. A rate displayed on a comparison website might no longer match what the institution currently offers. Accurate research therefore requires more than finding an attractive APY.
How Much Is 6 Figures? Salary, Jobs & 5–10 Figures Explained
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. When most people think about making money, they imagine a life of luxury with a bank balance in the six figures! While this is definitely attainable, it’s important to understand there is a lot of variation when it comes to what “six figures” actually mean. In this post, I show you how much money 6 figures is, along with 5, 7, 8, 9, and 10 figures.
Human Services Careers That Can Boost Your Income
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. Human services careers can be a little like being part coach, part problem-solver, and part calm person in the storm. If you want work that helps people and still pays the bills, this field is worth a closer look. Some roles start modestly, but others offer solid income as you gain training and experience.
Why More Entrepreneurs Are Choosing Texas to Start a Business
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. Texas has become a popular place for people who want to turn an idea, side hustle, or professional skill into a real business. With strong population growth, active local markets, and a broad mix of industries, the state gives new founders several reasons to consider building their next venture there. Photo Credit: Shutterstock.
Smart Financial Decisions to Help Manage the More Difficult Periods
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. If your budget is tighter than usual, small choices can shape how well you handle the months ahead. A clear view of your finances can help you respond calmly, reduce unnecessary pressure and make decisions that support your priorities without losing sight of your long-term goals. Photo Credit: Deposit Photos. Start by looking closely at your current money habits.
Trump Account Explained: How It Works and Why Age 18 Could Be the Biggest Opportunity
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. When you first hear about the Trump Account, it’s easy to dismiss it as just another government program, or even tune it out because of the name. That would be a mistake. Politics aside, this new investment account could become one of the most powerful wealth-building tools available for children. Imagine giving a newborn a small investment that has nearly two decades to grow before they can touch it.
Why Most Financial Plans Fail Before They Even Start
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. For many people, financial planning fails not because they are irresponsible, but because the process quickly becomes exhausting. The spreadsheets become another source of stress. Budgeting apps send constant notifications. Advice online swings between unrealistic discipline and extreme optimization. Somewhere along the way, managing money begins to feel like a second job.
How Savvy Investors Build Massive Wealth Using Hard Money Loans
Navigating the world of financing in the real estate market can be a daunting task, especially for real estate investors. But thanks to hard money lenders, you can get credit for your next property or project without dealing with a bank. With flexible terms and quick funding times, hard money loan programs have a lot going for them. This article will explain more about how hard money lenders work – including their benefits and drawbacks.
Is EconomyBookings.com Legit? An Honest Review
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. If you’ve stumbled across EconomyBookings.com while hunting for a rental car deal and found yourself wondering whether it’s actually trustworthy, you’re not alone. The prices can look surprisingly low, the platform isn’t as household-name as some competitors, and the natural question is: is this too good to be true? This article is an honest, impartial evaluation of EconomyBookings.
Why Precious Metals Remain a Smart Financial Choice
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. In a financial environment marked by unpredictability and change, investors are searching for assets that promise long-term stability. Among these, precious metals, including gold, silver, platinum, and palladium, stand out as dependable means of preserving wealth. Their appeal is not just rooted in tradition but in their proven ability to perform during both economic growth and uncertainty.
Innovative Strategies for Tax-Efficient RRSP Withdrawals
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. Maximizing your retirement savings means not just contributing regularly, but also knowing how and when to withdraw those funds effectively. As one of the pillars of Canadian retirement planning, Registered Retirement Savings Plans (RRSPs) are designed to offer significant tax benefits, provided you follow the right strategies.
7 Genius Wealth-Building Methods to Multiply Your Money
We know investing grows our wealth, but we often need to figure out how to get started. The good news is that there are many options for investing your money. While investing in the stock market is arguably the best way to invest money long-term, it is not for everyone. Here are seven additional investment ideas for you to consider, each with varying degrees of risk and return, allowing you to find the right solution for your needs.
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Monarch Money Review: Is This the Best Budgeting App?
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. Managing your money can feel overwhelming when your accounts, budgets, and goals all live in different places. Monarch Money aims to fix that by bringing everything together in one clean, powerful dashboard. In this Monarch Money review, I’ll walk you through how the app helps you track spending, manage budgets, and stay on top of your goals.
87 Best Things To Sell At School
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. If you’re a student looking to make extra money your best option is to market products to your peers. You have a market available to you every day and if you sell the right things, you can have a steady stream of income. This list of things to sell at school gives you a lot of options, spanning multiple categories and niches.
11 Best Places To Turn Coins Into Cash
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. Do you have a jar full of coins in your house? Not sure what to do with the spare change you get after buying something? Instead of doing nothing with these coins, you can turn coins into cash, or even deposit them into your bank account. There are many benefits for doing this, but your first question is probably where to cash in coins? In this article, I share with you 11 of the best places to turn coins into cash.
CIT Bank Review | Make Money On Your Savings
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. When I first started to take initiative and improve my finances, the first step was to build a solid savings base. I knew that by having a large pile of savings, I would cover myself if emergencies happened. And having this savings would also allow me to focus on investing my money and growing it faster.
XRP Mining, ETH&BNB Mining: DL Mining Earn $1k/day - Smarter, More Efficient, with Greater Profit Potential in 2025
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. By 2025, the cryptocurrency market is experiencing explosive growth, creating unprecedented opportunities for global investors. Among various investment methods, XRP, BNB, and ETH mining have become popular choices due to their potential for generating stable passive income. Each of these digital currencies holds a unique and important position within the blockchain ecosystem.
15 Great Ways To Make Money From Shredded Paper
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. There are a lot of strange ways to make extra money out there, with recycling paper being one of them. That’s right, you can make money recycling paper — and yes, you can sell shredded paper too. Now you aren’t going to become an overnight millionaire shredding paper, but you can make more money that you might think.
How To Save Money On Gas | The Best Tips For Cheap Gas
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. High gas prices are tough to swallow. As you fill your gas tank, you see your bill increasing at warp speed. Add into the mix rising gas prices, and the pain only increases. The good news is you don’t have to settle paying a lot for gas. There are many things you can do to save money on gas. For example, you can change your driving habits or use apps to cut down on costs.
Types of Cryptos to Know As an Investor
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. The crypto industry is known for many things, especially its asset diversity. While cryptocurrency can be looked at as an umbrella term, it actually includes tens of thousands of tokens at any given time. These tokens can be broadly categorized for simplicity. If you plan to get involved in the crypto industry as an investor, you must know about the different types of cryptos and how they function.
14 Smart Ways To Make Money With A Truck And Trailer
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. If you want to make extra cash, having a vehicle certainly opens a lot of doors. From delivering groceries with Instacart to using ridesharing apps like Uber, the gig economy makes it possible to boost your income by delivering goods to others. However, while these side hustles are lucrative, there’s even more money to be made if you have a truck and trailer.
Line of Credit Loans: A Strategic Solution for Your Cash Flow
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. It may not be the most glamorous part of business finance, but sometimes, the most powerful tool in your budgeting arsenal is flexibility. That’s where line of credit loans come into play. By giving you the power of a pool of funds you can use at any time, this strategic option provides a happy medium between a totally fixed loan and a run-of-the-mill credit card.
15 Cheap Beater Cars To Save Thousands
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. Beater cars are a great option if you need reliable transportation and have a limited budget. But buying a cheaper, older car can be tricky. These cars often hide numerous issues that can transform your deal into a disaster. So, what are the best cheap beater cars that functions properly? We talked to several mechanics to understand what to look for and watch out for in older cars.
26 Best Things To Pawn For Fast Cash
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. Are you in a pinch and need cash fast? Are you looking for an outside-the-box side hustle that provides you with a good income and not many hours working? Selling items to your local pawnshop could be the source of income you need. The catch is only some things will make good money at the pawn shops.
Give Car Back: What To Do When You Can't Afford Monthly Payments
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. If you can no longer afford your monthly car payment, you are not alone… I have a friend who is struggling with their car loan, $570 a month. Insurance just went up again. Gas prices are still high. And with inflation, they can barely keep up with groceries. Giving the car back sounded drastic… but was this their best option? If that feels familiar, this guide is for you.
12 Genius Ways To Make Money Using Credit Cards
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. When it comes to credit cards, most people think they are simply a way to pay for items. Some may even talk about the dangers of credit cards and how they can ruin you financially. But you don’t hear a lot of people talking about how to make money with credit cards. And this is disappointing because there are many ways to easily make money using credit cards.
107 Bank Account Nicknames: The Secret Hack to Mastering Your Money
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. While multiple bank accounts allow you to divide your finances, mixing them up is easy when you have multiple of the same type. Using bank account nicknames helps differentiate between similar accounts. It also makes the online banking experience more visual, benefiting budgets and savings goals. In this post, I share the benefits of giving your accounts nicknames and offer some ideas to get you started.
53 Powerful Ways To Invest In Yourself
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. Do you know what the most valuable asset you own is? When asked this question, most people will answer with their house, savings account, or their investment portfolio. In reality, the greatest asset you own is yourself. That’s right, you are your greatest asset, and because of this, you need to invest in yourself. When you take the time to invest in yourself, your entire life changes.
10 Smart Steps To Get Back On Your Feet Financially
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. No matter how well you handle money, life happens. We get in a car accident, we lose our job, we get divorced. Any of these or other events can disrupt anyone’s financial well being and turn it into a nightmare. But there is hope. With a little work and smart money moves, you can get back on your feet financially, no matter the financial crises that you face.
How to Build Financial Resilience During Uncertain Times
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. In today’s world, we’re all familiar with uncertainty. Whether it’s an unexpected job loss, a surprise medical bill, or a global crisis shaking things up, the ability to handle financial challenges is more important than ever. But here’s the good news: financial resilience isn’t something you’re born with; it’s something you can build. And the sooner you start, the better. So, how do you create financial resilience?
Institutional Investors Show Growing Interest in Cryptocurrencies, Despite Nascent Demand
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. The price of Bitcoin hit over $100,000 in 2025; institutional players, however, are still wary. Less than 5% of assets within Bitcoin spot ETFs are accounted for by long-term institutions. With recent shifts in the regulatory landscape and growing interest from institutions, this trend is bound to change.
Best Places to Get Free Samples: 10 Ways to Get Real Freebies Sent to Your Home
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. A great way to save money and make sure that you have plenty of backup products at home is to sign up for free products. Plenty of companies offer free samples directly, and there is no shortage of free product platforms that will show you some of the top trending freebies to keep you well-stocked. Let’s take a look at the 10 best places to get free samples from.
Advanced Trading Platform Setup Guide for Beginners
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. Starting in trading feels like taking a step into something new and exciting. Charts, markets, tools; yeah, a lot is going on. But it doesn’t have to feel too hard. Selecting the right platform and learning how to set it up can be beneficial. It provides a solid foundation and makes things easier in the long run.
How to Put Yourself in the Best Position to Buy a Home
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. Buying a home is one of the most significant financial decisions you’ll ever make. Whether you’re a first-time buyer or looking to move into a new property, getting your finances and plans in order before entering the market is crucial. Putting yourself in the best position to buy a home involves strategic planning, a solid understanding of your financial situation, and knowledge of the real estate market.
From Side Hustle to Main Hustle: Scaling Your Content Writing Business
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. If you’re reading this, chances are you’re already juggling a content writing side hustle alongside your full-time job or other commitments. But the idea of scaling this side gig into a full-time business is likely on your mind. After all, content writing offers flexibility, creativity, and the potential to turn your skills into a sustainable income.
Bank Transfer vs. Credit Card: What’s the Best Way to Buy USDT in Singapore?
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. Here’s a fact: crypto traders will most certainly encounter stablecoins like USDT and USDC when dealing with cryptocurrencies. Stablecoins like USDT are known to match the value of the US dollar one-to-one, making them a useful transitional bridge between fiat currency like SGD and popular cryptocurrencies like Bitcoin and Ethereum.
10 best lifetime mortgage providers you can rely on in 2025
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. A lifetime mortgage is a type of equity release product that allows homeowners aged 55 or older to unlock some of the value tied up in their home, without needing to sell it or make monthly repayments. Instead of paying a lender, the lender pays the homeowner, either as a lump sum, regular payments, or a combination of both.
How AI Is Changing the Way We Invest: From Blue Chip Stocks to Crypto
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. Artificial intelligence has come a long way since its inception, and in today’s world, it has proven itself as a powerful tool in boosting human productivity in various contexts. One of its modern-day use cases is assisting investors in managing their stock and crypto portfolios.
Financial Advice for Young Professionals: Building a Strong Foundation for the Future
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. As a young professional just starting your career, financial planning might not be at the top of your to-do list. Between climbing the career ladder, paying bills, and trying to maintain a social life, managing your money can feel like an afterthought. However, the truth is, how you handle your finances now will lay the foundation for your future.
Doing Freelance Work? Here’s Something You Should’ve Set Up Yesterday
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. You’ve landed a few freelance gigs. Maybe more than a few. You’ve got invoices going out, payments trickling in, and your calendar’s starting to fill up. Feels great, right?
How To Keep Yourself Engaged and Motivated As A Financial Advisor
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. There are many rewarding experiences in running a financial advisory practice, getting a big signing, bringing out good results during market declines, making and implementing a new strategy. Even though it’s unpredictable, between your best periods it can sometimes settle into a regular, slow beat.
What Causes Financial Crashes and How to Stay Safe
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. Financial crashes occur suddenly in markets, wiping out trillions of dollars of wealth and causing significant financial difficulties for people. Economic crashes lead to a loss of confidence, resulting in significant impacts on employment numbers and the stability of retirement funds. The protection of financial security requires knowledge about the origins of crashes, along with preventive measures.
Smarter Operations with Modern Investment Management Software
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. For financial firms, investment management is no longer just about performance – it’s about how well you handle operations behind the scenes. Whether you’re managing private equity funds, real estate portfolios, or alternative assets, one thing is clear: spreadsheets and siloed systems aren’t cutting it anymore. Modern investment management platforms are filling that gap.
What Does A Merger Mean for a Stockholder?
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. You finally did it. You found that one company you actually believed in—not just financially, but on a gut level. You liked their product, followed their updates, maybe even tweeted about them once or twice. So, you bought a few shares. Nothing too crazy, just enough to feel like you had some skin in the game. And then the magic happened. The stock climbed. Slowly at first, then faster.
Picking the Best SEO Company for Your Business
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. Understanding your specific SEO goals and business needs is essential for choosing the right SEO company in Los Angeles. Thorough research, including reading reviews and reviewing portfolios, helps evaluate an SEO firm’s credibility and effectiveness. A successful SEO partnership depends on clear communication, a skilled team, and a strategy aligned with ethical, long-term growth.
Modern Money Mastery: Essential Habits for Financial Success in a Changing World
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. In a world where financial stability can feel increasingly out of reach, it’s more important than ever to take control of your money. Whether you’re dealing with student debt, rising living costs, or uncertain job markets, making smart financial choices today can protect your future. The good news? You don’t need to be a financial expert to make meaningful progress.
How Savvy Investors Build Massive Wealth Using Hard Money Loans
Navigating the world of financing in the real estate market can be a daunting task, especially for real estate investors. But thanks to hard money lenders, you can get credit for your next property or project without dealing with a bank. With flexible terms and quick funding times, hard money loan programs have a lot going for them. This article will explain more about how hard money lenders work – including their benefits and drawbacks.
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